Underwriting Framework

Hard gates.
Every applicant, every time.

All applications must clear each gate before underwriting proceeds. No exceptions, no negotiation.

Verified Exit / Invoice

Bridge: documented exit source. GovCon: verified invoice tied to a government contract.

Timing Alignment

Exit event or expected payment must occur within the requested 30 / 60 / 90-day term.

10% Liquidity Rule

Borrower maintains liquid assets of at least 10% of the advance amount.

Agency / Exit Validation

Bridge: specific use of funds. GovCon: verified federal, state, or municipal agency.

Clean Legal Position

No active bankruptcies, unresolved tax liens, or blocking liens. P8 must be in clear first position.

Risk Assessment

Pass the gates — then our underwriting team assigns a risk tier and structures terms tailored to your deal.

Step 1 — Choose Your Product

Ready to submit?

Choose your product above. The application takes about ten minutes. We'll decision promptly.